Mr. Manoj Pagare,Dr Vinod Gawande, “A COMPREHENSIVE STUDY ON THE VARIOUS ISSUES PERTAINING TO REASONS FOR NON-REPAYMENT OF CREDIT UNDER KISAN CREDIT CARD OF SMALL AND MARGINAL FARMERS AND AGRICULTURAL PRODUCTIVITY IN CENTRAL INDIA”, IJESSML, vol. 7, no. 1(1), pp. 942–950, Apr. 2026, doi: 10.64751/aas8jn84.